Republic Bancorp, Inc. RBCAA R2K
Company Overview
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-family, construction and land development, consumer, and aircraft loans; service charges on consumer and commercial deposit accounts, mortgage banking income, debit and credit card interchange fee income, title insurance commissions, and swap fee incomes; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing services; internet banking services and products through its website; mobile banking; and other banking services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
Why Investors Should Care
Net profit has compounded at 13.0% per year over the last five years.
Revenue has grown at a 10.0% CAGR over the past five years.
Trades at an undemanding P/E of 13.8.
Maintains a net profit margin of 34.0%.
Offers a dividend yield of 2.24%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $411.12M (+8.5% YoY); net profit $131.32M.
- Trailing 12 Months Year-on-year growth — revenue -11.3%, earnings -10.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 10.0%, profit CAGR 13.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 10.02% |
| 1 Year: | -11.30% |
Compounded Profit Growth
| 5 Years: | 12.96% |
| 1 Year: | -10.10% |
Stock Price Performance
| 1 Year: | +21.72% |
| 6 Months: | +30.70% |
| 3 Months: | +20.77% |
| 1 Month: | +2.52% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)59.61 · Neutral
P/E of 13.79 is above the sector median of 13.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 34.0%.
- Compounding revenue at 10.0% over 5 years.
- Profit CAGR of 13.0% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | RBCAA Republic Bancorp, Inc. R2K | 89.34 | 13.79 | $1.56B | 2.24% | - | 11.68% | 10.02% | 12.96% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | 81.36M | 56.06M | 58.68M | - | 95.21M | 65.38M | 64.50M | - | 99.72M | 69.07M | 68.30M | - | 103.31M | 67.50M | 71.45M | - | 96.82M | 71.95M | 71.95M | - | 94.18M | 82.38M | 73.70M | 115.32M | 84.18M | 79.17M | 120.29M | 86.88M | 88.12M | 135.84M | 93.85M | 93.54M | 120.41M |
| Net Income | 8.32M | 5.64M | 7.42M | 17.73M | 8.34M | 9.83M | 10.00M | 20.02M | 10.07M | 10.71M | 4.84M | 27.47M | 15.67M | 17.41M | 17.31M | 29.52M | 18.01M | 18.41M | 25.77M | 26.70M | 15.80M | 20.39M | 20.36M | 26.05M | 23.96M | 20.38M | 17.22M | 28.35M | 24.35M | 19.90M | 28.09M | 21.05M | 21.57M | 30.61M | 25.21M | 26.54M | 47.27M | 31.48M | 29.74M | 42.57M |
| Diluted EPS | - | - | - | 0.77 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | 289.48M | 311.13M | 319.37M | - | 308.73M | 354.27M | 378.96M | 411.12M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.49M | 67.28M | 120.83M | 103.84M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 116.84M | 113.21M | 127.70M | 165.71M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | 25.74M | 22.84M | 26.33M | 34.39M |
| Net Income | 42.13M | 64.75M | 94.15M | 119.34M | 25.42M | 28.79M | 35.17M | 45.90M | 45.63M | 77.85M | 91.70M | 83.25M | - | 91.11M | 90.37M | 101.37M | 131.32M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.59 | 4.62 | 5.21 | 6.72 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 3.62B | 3.42B | 3.39B | 3.37B | 3.75B | 4.23B | 4.82B | 5.09B | 5.24B | 5.62B | 6.17B | - | - | 6.17B | - | - | - | 5.84B | 6.59B | 6.85B | 7.04B |
| Total Equity | 275.92M | 316.02M | 371.38M | 452.37M | 536.70M | 542.79M | 558.73M | 576.55M | 604.41M | 632.42M | 689.93M | 764.24M | 823.32M | 845.13M | 839.07M | 835.05M | 841.58M | 843.87M | 843.06M | 856.61M | 912.76M | 992.03M | 1.10B |
| Cash & Equivalents | 616.30M | 1.07B | 786.37M | 362.97M | 137.69M | 170.86M | 72.88M | 210.08M | 289.31M | 299.35M | 351.47M | 385.30M | 485.59M | - | - | 756.97M | - | - | - | 313.69M | 316.57M | 432.15M | 219.97M |
| Total Liabilities | - | - | 3.25B | 2.97B | 2.86B | 2.83B | 3.19B | 3.65B | 4.21B | 4.45B | 4.55B | 4.86B | 5.35B | 5.34B | 5.35B | 5.26B | 5.51B | 5.27B | 5.16B | 4.98B | 5.68B | 5.85B | 5.94B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 72.08M | 89.23M | 123.60M | 86.28M | 22.26M | 26.70M | 50.05M | 47.67M | 77.78M | 119.21M | 105.19M | 75.43M | - | 154.79M | 108.53M | 149.00M | 168.21M |
| Investing Cash Flow | 447.12M | -8.33M | -279.16M | 995.28M | 43.55M | -470.89M | -358.21M | -296.13M | -287.11M | -121.53M | -435.21M | -422.02M | - | -254.51M | -516.95M | -181.03M | -436.12M |
| Financing Cash Flow | -67.32M | -362.71M | -267.84M | -1.31B | -32.64M | 346.20M | 445.37M | 327.69M | 219.38M | 54.45M | 363.85M | 446.87M | - | -343.56M | 411.30M | 147.61M | 55.73M |
| Capital Expenditure | -3.99M | -4.27M | -3.73M | -3.89M | -5.02M | -7.76M | -5.32M | -7.03M | -12.38M | -9.82M | -12.88M | -3.58M | - | -3.50M | -6.90M | -5.81M | -7.10M |
| Free Cash Flow | 68.09M | 84.97M | 119.88M | 82.39M | 17.23M | 18.95M | 44.73M | 40.64M | 65.39M | 109.39M | 92.30M | 71.85M | - | 151.29M | 101.64M | 143.19M | 161.11M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | -443.28M | 2.88M | 115.58M | -212.18M |
| Share Buybacks | 868.00K | 390.00K | 492.00K | 1.67M | 4.09M | 347.00K | 551.00K | 1.21M | 1.05M | 827.00K | 1.42M | 3.94M | 47.53M | 12.58M | 20.28M | - | 72.00K |
| Dividends Paid | 10.38M | 11.36M | 12.31M | 36.12M | 14.01M | 14.93M | 15.84M | 16.77M | 17.66M | 19.50M | 21.38M | 23.20M | 24.70M | 26.14M | 28.35M | 30.51M | 33.85M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | 26.9% | 29.5% | 26.1% | - | 29.5% | 25.5% | 26.7% | 31.9% |
| ROE % | 13.3% | 17.4% | 20.8% | 22.2% | 4.7% | 5.2% | 6.1% | 7.6% | 7.2% | 11.3% | 12.0% | 10.1% | - | 10.6% | 9.9% | 10.2% | 11.9% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Dimensional Fund Advisors LP | 5.31% | 928.37K | $82.72M |
| 2 | Blackrock Inc. | 4.34% | 758.92K | $67.62M |
| 3 | Vanguard Capital Management LLC | 2.18% | 381.74K | $34.01M |
| 4 | Morgan Stanley | 2.00% | 350.04K | $31.19M |
| 5 | American Century Companies Inc | 1.73% | 302.29K | $26.93M |
| 6 | State Street Corporation | 1.49% | 261.27K | $23.28M |
| 7 | Geode Capital Management, LLC | 1.38% | 241.75K | $21.54M |
| 8 | Gendell, Jeffrey L. | 0.82% | 142.92K | $12.73M |
| 9 | Bridgeway Capital Management, LLC | 0.73% | 127.61K | $11.37M |
| 10 | Vanguard Portfolio Management LLC | 0.60% | 104.99K | $9.35M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for RBCAA
Republic Bancorp Sets Oct. 16 Dividend Payment for Two Share Classes - Stock Titan
<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxQNVM0UXczYVhub3lqc2taM1dQWEtrY0FYN25mUnlFVVNLd2Y4TnpJc1lMSEpVT0FGblc1NEQzQlhiWGZnUkV4bXlJZnllVnZzZXlpZTlhOWFKbVAybUNrMFdiMTJzc2lkb09Bano4M2tCMndSX2dhY29mVWhRbk1vTmxjUzBLVEpwYlllYl…
Republic Bancorp (NASDAQ: RBCAA) sets October 16, 2026 dividend payout - Stock Titan
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Republic Bancorp, Inc. Declares Cash Dividend on Class A and Class B Common Stock, Payable on October 16, 2026 - marketscreener.com
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RBCAA Forecast — Price Target — Prediction for 2027 - TradingView
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Republic Bancorp (NASDAQ:RBCAA) Reports Strong Q1 CY2026 - Yahoo Finance
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REPUBLIC BANCORP INC /KY/ ($RBCAA) CEO/Bank 2025 Pay Revealed - Quiver Quantitative
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RBCAA — Frequently Asked Questions
What is the current share price of Republic Bancorp, Inc. (RBCAA)?
As of 2026-07-15 16:51 PDT, Republic Bancorp, Inc. (RBCAA) trades at $89.34 on NasdaqGS. Its 52-week range is $63.73 to $92.81.
What is the market capitalisation of RBCAA?
Republic Bancorp, Inc. (RBCAA) has a market capitalisation of $1.56B on NasdaqGS.
What is the P/E ratio of RBCAA?
RBCAA trades at a trailing price-to-earnings (P/E) ratio of 13.79. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.54.
Does RBCAA pay a dividend?
Republic Bancorp, Inc. (RBCAA) currently offers a dividend yield of 2.24%.
What is the return on equity (ROE) of RBCAA?
RBCAA has a return on equity (ROE) of 11.68%.
Is RBCAA a good stock to buy?
This page provides a data-driven analysis of Republic Bancorp, Inc. (RBCAA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.